Insurance & Fees
Insurance
All clinicians accept Blue Cross Blue Shield (e.g., Federal, Wellmark, out of state). Some providers accept Aetna, Cigna, Health Partners, Medicare and Midlands Choice. We cannot provide virtual therapy to clients living in other states (due to licensing laws). With the exception of Julie Peterson, LISW, and Miranda Juarez, LISW, who are dual licensed in Iowa and Illinois.
Let Us Contact Your Insurance
We help verify your insurance coverage and estimate session costs before you schedule your first appointment.
Complete our request a session form, including your insurance ID. If we need your date of birth, we’ll contact you by phone. Coverage may be limited or unavailable for plans we don’t accept.
If we’re unable to verify your benefits, we’ll ask you to call the number on your insurance card and ask the questions below. Insurers often respond more quickly to members directly.
What to Ask Your Insurance Company
- Is psychotherapy covered? (you may need to ask, "Are mental health services covered?")
- Do I need pre-approval? (often, this is not the case with Blue Cross)
- What is my co-pay for an outpatient office visit? (all our services are classified as office visits)
- How many therapy sessions does my plan cover? (Blue Cross usually doesn't set a limit)
What is a Deductible?
A deductible is the amount you pay for covered services before insurance begins sharing the cost. Once you’ve paid enough to meet your deductible, your insurance will begin covering a larger share of your bills. Most deductibles reset on January 1st.
Example: With a $1,000 deductible, an $800 ER bill leaves $200 to pay toward covered services, including therapy, before insurance begins sharing the cost.
What is a Copay?
A copay is a small, fixed fee you pay each time you get certain types of care, like seeing your doctor or picking up a prescription. It doesn’t change based on what the service actually costs, as it’s a set amount. Depending on the plan, you might have copays right away, or only after you’ve met your deductible.
Example: If your plan has a $25 copay for doctors visits, you will likely have a $25 copay for each therapy session.
What is Coinsurance?
Coinsurance is the percentage of a covered medical bill you pay, unlike a copay, which is a fixed amount.
Example: With 20% coinsurance, you pay $20 for a $100 covered service or $40 for a $200 covered service.